# Moniepoint

Moniepoint is an Asset Manager based in Lagos, Nigeria.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Lagos, Nigeria
- **Region:** North America
- **Address:** The Post Square, Off Adeola Odeku, Victoria Island, Lagos, Nigeria
- **Founded:** 2019
- **Assets under management:** Undisclosed
- **Website:** moniepoint.com

## Regulatory record

- **Reports private funds:** No

## About

Moniepoint provides an all-in-one payments, banking and operations platform for businesses and their customers.

## Sectors

- FinTech
- Banking
- Payments
- Credit
- Business Management

## Offices

- New York
- Dublin
- London
- Seattle

## Questions

### What licenses does Moniepoint hold, and how do they shape its operations?

Moniepoint operates a microfinance bank charter in Nigeria through Moniepoint MFB, which allows it to accept deposits, issue loans, and settle payment transactions on its own balance sheet. The firm also holds a Payment Service Provider license from the Central Bank of Nigeria. Holding both a banking and a payments license in-house reduces reliance on third-party infrastructure and gives the firm bespoke control over merchant settlement timing and lending criteria.

### How does Moniepoint's credit underwriting work given the informal nature of its merchant base?

Moniepoint uses the transaction data flowing through its own POS terminals and business accounts as the primary underwriting input. Because the firm sees daily cashflow and settlement history for millions of merchants, it can build credit scores off observed behavior rather than formal financial statements. This lets Moniepoint extend working-capital loans to shopkeepers and market traders who have no traditional banking relationship — a segment formal banks have largely avoided.

## Related profiles

- [Now Venture Partners](https://altss.com/profile/now-venture-partners)

---

Last updated: 2026-06-03T20:00:00.000Z

Canonical page: https://altss.com/profile/moniepoint-inc

Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology